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Enquire about a mortgage with our affordability form. No imprint on your credit score.

Will not affect credit score

For every completed Heroes mortgage or remortgage*, we will gift £100 to the NHS to support the vital work they are doing to keep us all safe in this time of uncertainty.

Everyone here at Clever Mortgages appreciates the efforts of the essential workers that are working relentlessly to reduce the impact of COV-ID 19. As such, we are going to donate £100 to the NHS for every completed Heroes mortgage or remortgage*.

Our brokers have a wide range of access to mortgage products on the market, including The Heroes Mortgage range introduced by a specialist lender. The product range includes mortgages for first time buyers, home movers and those looking to remortgage. These specialist mortgage products are designed for the Heroes among us, the essential workers that provide vital community services:

  • NHS Clinicians (including Paramedics & Nurses)
  • Teachers
  • Armed Forces Personnel (Army, Navy, Royal Air Force)
  • Firefighters
  • Police

This mortgage range recognises and understands that these roles rarely take on a 9-5 outlook and treats each case individually. With flexible lending criteria, the Heroes mortgage range is designed to help make our essential workers homeowners.

  • Mortgage loans of up to 5x income, subject to affordability
  • Overtime and second job income included in overall income
  • Limited credit history considered
  • Bad credit accepted
  • Debt Management Plans (DMPs) considered

Clever Mortgages say:

Mortgages for heroes are specifically tailored for borrowers currently employed in essential public sector roles. With the lenders approach, they understand that certain professions require real people to underwrite their case, and not rely on credit scores and system generated responses.

How can we help?

If you’re an essential worker and would like to enquire about getting a Heroes mortgage or remortgage, our expert advisors will be happy to help! Just get in touch and we might be able to set you on track to finding your perfect mortgage!

*see our full terms and conditions here

Clever Mortgages is now part of Oak Mortgages Limited.

Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.

👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.

Posted on Google Google
G S profile picture
G S
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From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through. Sarah and her team were brilliant. They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage. We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care. A top class act - 5 ⭐️⭐️⭐️⭐️⭐️
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DOBO and the Foodies
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Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommend
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Caoimhe Clarke profile picture
Caoimhe Clarke
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Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.
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Lisa Zuccotti
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Excellent company to deal with , very efficient and caring ensured all our needs where met . Highly recommended.
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Reece Baird profile picture
Reece Baird
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claire.geraghty Amazing lady, helped me all the way to the finish line! Highly recommend!
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graham draper
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Excellent service and advice throughout the whole process making for a very straightforward experience with special thanks to Abby and Ashleigh.
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Ant profile picture
Ant
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Alex at Oak Mortgages has been an absolute life-saver. After being let down by a previous mortgage advisor who wanted me to take a massive risk with no guarantees, I contacted Oak Mortgages and was put in touch with Alex. ​Not only did he find me a mortgage with the exact same lender without having to take that risk, but he also got me accepted! His knowledge is top-notch, his communication is brilliant—he always picked up the phone and replied to emails super fast with regular updates. As a first-time buyer, Alex was hands-down the best part of the entire buying process. ​I am now happily settled in my new home, and I have Alex to thank for it. I will 100% be using Oak Mortgages again in the future (and hopefully Alex!). Thank you so much!
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Alannah McNaughton
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Abby Malcolm was fantastic. Work quickly to find me a great rate and explained everything I needed to know. Highly recommend her :)
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DanielaDany Zavaliche
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They are a very good and friendly team. I am very proud of them. Well done!
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